Ajitam Kumar
SBI | Expert in Unsecured Personal Loans & Digital Loans | Product Strategy | Fintech Innovation | MBA | Engineer
- Role
- Product Specialist at State Bank of India
- Location
- Mumbai, MH, IN
- LinkedIn followers
- 500 followers
About Ajitam Kumar
As a Specialist Cadre Officer at the State Bank of India’s Corporate Centre in Mumbai, I bring over a decade of experience in managing high-impact retail lending products and driving digital transformation in the banking sector.Currently, I lead strategic initiatives and innovations in the Unsecured Personal and Digital Loans segment—one of SBI’s most profitable portfolios, valued at over ₹3.50 trillion. My role involves aligning product strategy with the Bank’s overall retail lending goals and close collaboration with Top leadership & key regulatory bodies including DFS, IBA, CICs, and RBI.Previously, I played a pivotal role in shaping SBI’s Education Loans strategy. I conceptualized and launched the Global Ed-Vantage scheme for students pursuing higher education abroad and was instrumental in the rollout of the Vidya Lakshmi Portal across the banking industry. I also contributed to the re-design of the IBA Model Education Loan Scheme, which received official approval from the Government of India.With an MBA from WeSchool, Mumbai, and a B.E. in Information Technology, I combine technical acumen with strategic insight to deliver scalable, customer-centric lending solutions. Passionate about digital banking, public policy, and inclusive finance Experienced in cross-functional leadership and regulatory engagement Committed to building innovative, sustainable financial products
Experience
Product Specialist
May 2021 — Present · Mumbai, IN
Driving strategic growth and innovation in SBI’s personal loan portfolio.• Leading cross-functional teams to design, develop and optimise loan products aligned with customer needs and regulatory standards.• Working with Top executives on strategic planning and execution.• Focused on digital transformation, risk management, and performance excellence across the product lifecycle.• Collaborating with DFS, IBA, CICs, RBI, and other regulatory bodies.
Education
Sinhgad Institute of Technology
Bachelor of Engineering - BE, Information Technology
Prin. L. N. Welingkar Institute of Management Development and Research
Master of Business Administration (M.B.A.), Rural Management
Skills
- Mysql
- Microsoft Word
- Quantitative Research
- C
- Qualitative Research
- Powerpoint
- Ibm Spss
- Microsoft Excel
- C++
- Core Java
- Financial Analysis
- Financial Reporting
- Html
- Financial Management Services
- Android
- Financial Audits
- Access
Find verified contacts for anyone on LinkedIn
Unifers gives sales teams verified emails and direct dials, enriched profiles, and outreach that lands in the inbox.
Free plan included · No credit card required
This profile is compiled from publicly available professional sources. Unifers is not affiliated with or endorsed by LinkedIn. Request removal of this profile.